Tools
Savings rate calculator
Savings rate is savings divided by income. The default income basis is gross pay, before tax. Switch to take-home if that is the definition you want. Say which one you used.
Arc · Published September 18, 2026 · Updated September 18, 2026
Assumptions
- Default basis is gross income, before tax.
- A negative rate means spending exceeded the income you entered.
- This is not an SCF percentile.
Savings rate
20.0%
Savings divided by gross income.
Employer match can be included in savings if you want the rate to reflect total additions. Do not compare a gross rate with someone else's take-home rate.
Savings rate = savings ÷ income
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Educational estimate only. Not tax, legal, or investment advice, and not a prediction of what your accounts will do. Methodology